HomeCompareBILS vs XYLD

BILS vs XYLD: Dividend Comparison 2026

BILS yields 3.96% · XYLD yields 10.98%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BILS wins by $592.00 in total portfolio value
10 years
BILS
BILS
● Live price
3.96%
Share price
$99.43
Annual div
$3.93
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.9K
Annual income
$510.14
Full BILS calculator →
XYLD
Global X S&P 500 Covered Call ETF
● Live price
10.98%
Share price
$39.13
Annual div
$4.30
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.3K
Annual income
$3,219.02
Full XYLD calculator →

Portfolio growth — BILS vs XYLD

📍 BILS pulled ahead of the other in Year 1

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodBILSXYLD
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
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Dividend Calendar Overlap

Combined, BILS + XYLD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
BILS pays
XYLD pays
Both pay
Neither
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Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

BILS
Annual income on $10K today (after 15% tax)
$336.33/yr
After 10yr DRIP, annual income (after tax)
$433.62/yr
XYLD
Annual income on $10K today (after 15% tax)
$933.63/yr
After 10yr DRIP, annual income (after tax)
$2,736.17/yr
At 15% tax rate, XYLD beats the other by $2,302.55/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of BILS + XYLD for your $10,000?

BILS: 50%XYLD: 50%
100% XYLD50/50100% BILS
Portfolio after 10yr
$25.6K
Annual income
$1,864.58/yr
Blended yield
7.29%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BILS buys
0
XYLD buys
0
No recent congressional trades found for BILS or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBILSXYLD
Forward yield3.96%10.98%
Annual dividend / share$3.93$4.30
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$25.9K$25.3K
Annual income after 10y$510.14$3,219.02
Total dividends collected$4.6K$19.6K
Payment frequencyquarterlymonthly
SectorStockETF

Year-by-year: BILS vs XYLD ($10,000, DRIP)

YearBILS PortfolioBILS Income/yrXYLD PortfolioXYLD Income/yrGap
1← crossover$11,096$395.69$10,818$1,098.39+$278.00BILS
2$12,283$410.32$11,738$1,222.51+$545.00BILS
3$13,567$424.50$12,774$1,364.64+$793.00BILS
4$14,955$438.21$13,944$1,527.86+$1.0KBILS
5$16,453$451.44$15,270$1,715.87+$1.2KBILS
6$18,069$464.17$16,775$1,933.09+$1.3KBILS
7$19,810$476.41$18,490$2,184.87+$1.3KBILS
8$21,685$488.15$20,450$2,477.63+$1.2KBILS
9$23,703$499.39$22,697$2,819.19+$1.0KBILS
10$25,872$510.14$25,280$3,219.02+$592.00BILS

BILS vs XYLD: Complete Analysis 2026

BILSStock

The State Street SPDR Bloomberg 3-12 Month T-Bill ETF seeks to provide investment results that, before fees and expenses, correspond generally to the price and yield performance of the Bloomberg 3-12 Month U.S. Treasury Bill Index (the "Index")Seeks to provide exposure to publicly issued U.S. Treasury Bills that have remaining maturities between 3 and 12 monthsShort duration fixed income is less exposed to fluctuations in interest rates than longer duration securitiesRebalanced on the last business day of the month

Full BILS Calculator →

XYLDETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD Calculator →
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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.